Texas Health Insurance For Families and Individuals

If you have to carry your own health insurance in Texas, we can make the process a little easier. Many Texans who are self employed, business owners, cotractors, and professionals may need to buy their own health insurance. You may have had group health insurance before with a large company, and have only had to take a small amount out of your check before. That is because the employer may have picked up hundreds of dollars worth of premium as an employee benefit.

QUOTE TEXAS HEALTH INSURANCE ONLINE or FIND THE NUMBER OF A LICENSED TEXAS AGENT

I hear lots of people say that they cannot believe how expensive their COBRA bill is. They do not understand that they are having the pay the WHOLE HEALTH INSURANCE BILL now, and not just a small portion that their company had them kick in.

However an individual health insurance plan can usually be had for much less than COBRA. Group rates are affected by the health of an entire company, and the requirement to cover all employees. Individual rates only depend upon your health, or your family's health. Once you are accepted for individual health insurance, in Texas, you cannot be rated up because you have an illness or injury. They can only have rate increases on a whole class of people. i.e. people of a certain age.

If you are looking for Texas Health Insurance, and now you have a condition which an individual plan will not accept, you also have the Texas Risk Pool.

Still, if you want to reduce an $1100 COBRA bill to $300 you may find yourself cutting back on some of the benefits you had enjoyed before. These are issues you may want to discuss with an licensed agent in your area. They should be familiar with Texas rules on credible coverage, pre-existing coniditions, HIPAA, etc.

QUOTE TEXAS HEALTH INSURANCE ONLINE OR FIND A TEXAS HEALTH INSURANCE AGENT

You may want to consider a high deductible health insurance policy with supplemental coverage for illness and injury. These types of plans usually help you with common bills, and may be a cheaper way to go for monthly premiums.

If your income has been reduced, you may be able to use CHIPS to cover your children. It is less expensive than private health insurance, and has fairly leniant income guidelines.